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  1. Hello, I got my first credit card in 2012. For the first year I was paying it off just off fine, I was working on building credit. In August 2013 I moved from Nevada to California and lost my job shortly after. So I ended up having to use that credit card until I got a new job a two months later. On top of the credit card I have a card payment(under my moms name) that I had to always pay. Also a student loan that lets me pay very little. With my new job I wasn't making nearly enough to pay for everything. So I had to stop paying my credit card. I've had a rough few years trying to pay